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AICPA Disability Insurance Claims Guide


As a member of the American Institute of Certified Public Accountants (AICPA), you likely have access to a robust disability insurance policy designed to protect your financial well-being in the event of a disability. Navigating the AICPA disability insurance claim process can be daunting, but with the right approach and support, you can successfully secure the benefits you need to protect your financial future.

Understanding AICPA Disability Insurance

The AICPA offers a group long-term disability insurance plan through Prudential Insurance Company. This plan offers several benefits designed to meet the unique needs of CPAs, including:

Key Steps in Filing a Claim

  1. Review Your Policy: Start by thoroughly reviewing your policy to understand the specific terms, conditions, and definitions. Pay particular attention to the definitions of “disability” and “own occupation,” as these will be critical to your claim.
  2. Gather Medical Evidence: Gather comprehensive medical documentation to support your claim. This includes medical records, diagnostic test results, treatment plans, and statements from your health care providers detailing your condition and its effect on your ability to work.
  3. Notify Your Employer: Inform your employer of your disability and your intention to file a claim. This is often a requirement and can make it easier to gather the necessary employment and wage information.
  4. Complete the Claim Forms: Obtain and complete the required claim forms from Prudential. Be thorough and accurate in your answers, providing detailed information about your disability, treatment, and how it affects your work.
  5. Submit Supporting Documentation: Along with the claim forms, submit all supporting documentation, including medical records, employment records, and any other relevant information that may support your claim.
  6. Follow Up Regularly: Maintain regular communication with Prudential to ensure that your claim is progressing. Respond promptly to any requests for additional information or clarification.

Common Challenges and How to Overcome Them

  • Insufficient Medical Evidence: Make sure your medical records are comprehensive and up-to-date. Detailed statements from your treating physicians are critical.
  • Policy Exclusions and Limitations: Be aware of any exclusions or limitations in your policy that may affect your claim. Proactively address these proactively with your insurer.
  • Pre-Existing Conditions: If your disability is related to a pre-existing condition, be prepared to demonstrate that has been adequately treated and has not previously impaired your ability to work.
  • Claim Denials: If your claim is denied, don’t despair. Review the denial letter carefully to understand the reasons for the denial, and consider consulting with a disability attorney to discuss your options for appeal.

While many AICPA members successfully navigate the claims process on their own, there are situations where seeking legal assistance can be beneficial:

  • Coverage Disputes: If there is a dispute over policy terms or coverage, legal expertise can be critical in resolving these issues.
  • Appealing a Denial: An experienced disability attorney can guide you through the appeals process, helping you gather additional evidence, craft persuasive arguments, and represent your interests.

At the Ortiz Law Firm, we understand the challenges CPAs face when dealing with disability insurance claims. Our team, led by Nick Ortiz, has extensive experience in handling group disability claims and is dedicated to helping you secure the benefits you deserve. If you need assistance appealing a denial or have any questions about the process, don’t hesitate to contact us online or call (888) 321-8131 for a free case evaluation.